Compare Savings Rates
Compare CapEd savings rates to see which accounts offer the rates you're looking for.
| Account Type | Minimum Balance | Dividend Rate | APY1 | How to Apply |
|---|---|---|---|---|
| Primary Savings Account | $5.00 | 0.05% | 0.05% | |
| Secondary Savings Account | $0.00 | 0.05% | 0.05% | |
|
High Yield Savings
(Requires a High Yield Checking+ account) |
$0.00 - $10,000 (qualifications met) | 3.928% | 4.00% | |
| Over $10,000 (qualifications met) | 0.10% | 0.10% | ||
| $0.00 - $10,000 (qualifications not met) | 0.01% | 0.01% | ||
| Over $10,000 (qualifications not met) | 0.01% | 0.01% | ||
| Rise Youth and Young Adult Savings Account | $0.00 - $2,500.00 | 1.00% | 1.00% | |
| Over $2,500.00 | 0.10% | 0.10% | ||
| Education Savings Account | $10.00 | 0.50% | 0.50% | Find a Location |
| Idaho MSA Savings Account | $0.00 | 0.10% | 0.10% | Find a Location |
| Idaho First-time Home Buyer Savings | $0.00 | 0.20% | 0.20% | Find a Location |
| IRA Roth and IRA Traditional | $0.00 | 0.50% | 0.50% | Find a Location |
| IRA 59½ Share Savings | $0.00 | 0.75% | 0.75% | Find a Location |
| Simplified Employee Pension | $0.00 | 0.50% | 0.50% | Find a Location |
| Holiday Cash Stasher | $0.00 - $2,500.00 | 1.00% | 1.00% | |
| Over $2,500.00 | 0.10% | 0.10% |
Certificate Rates
Rates current as of .
Promotional Rates
| Term | Minimum Deposit | Dividend Rate | APY1 |
|---|---|---|---|
| 5 Months | $ | % | % |
All promotional certificates must be opened with funds that are not currently held in a CapEd Credit Union account or that have been deposited to a CapEd Credit Union account less than 30 days.
Standard Rates
| Term | Minimum Deposit | Dividend Rate | APY1 |
|---|---|---|---|
| 6 Months | $500 | % | % |
| $10,000 | % | % | |
| $50,000 | % | % | |
| 12 Months | $500 | % | % |
| $10,000 | % | % | |
| $50,000 | % | % | |
| 18 Months | $500 | % | % |
| $10,000 | % | % | |
| $50,000 | % | % | |
| 24 Months | $500 | % | % |
| $10,000 | % | % | |
| $50,000 | % | % | |
| 36 Months | $500 | % | % |
| $10,000 | % | % | |
| $50,000 | % | % | |
| 48 Months | $500 | % | % |
| $10,000 | % | % | |
| $50,000 | % | % | |
| 60 Months | $500 | % | % |
| $10,000 | % | % | |
| $50,000 | % | % |
Smart Step Rates
| Term | Minimum Deposit | Dividend Rate | APY2 |
|---|---|---|---|
| 6 Months | $ | % | % |
| 12 Months | $ | % | % |